Cost Of Bankruptcy In Illinois
Bankruptcy 22. How does this affect me?
I just turned 22 and am in a situation where I am considering bankruptcy. Currently I have $ 7,000 in credit card interest of 29%. $ 5,000 on another card with a 15% interest. My car is paid off. And for $ 2,000 in expenses physicians. A grand total of about $ 14,000. Is it worth submitting to it? Im 22, newly married with a baby way. Rented our own place, while only is the minimum on my card to kill us. Is this going to affect my ability to finally do a new car or a house one day? How I can pay the deposit? (Im Illinois)
Dude, I was in a similar place 3.5 years ago (23 and 20k of debt). If I was single, and then ignored. I received a number of new cells and failed to pay all my credit cards. Now I'm almost four years on the cards (that is so they can stay on my credit file.) It was a little hard rental apartments (I usually had to add $ 400 or less, in my tank) (if you like where you are now, can only stay there.) In the last year, but my credit score increased 80 points. I bought a 2007 Ford Mustang last month (not the largest loan ever, but this uping my credit score greatly.) Sure, a few months were difficult trying to live on 30k a year in Los Angeles and the McDonald's menu in U.S. became a good friend, but rarely stopped me from doing what he wanted. And if it is moving forward with the new owners and say "yes, I had 22 years and reached the credit card issues, "which usually go:" Oh, boy was stupid, but it is their own mistakes. "First, if their contact with CC and see if you can work with you to reduce your monthly interest rate and perhaps give you some months Indulgence (and then throw away the money you save in these months a new card to pay as much as possible). theu'll accept payment if less volume than the top of the card (then ask their parents for help). But 14k? not worth the nightmare of bankruptcy.
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